Monday 23rd of October 2017 10:34:13 PM
I received a letter in the fall of 2013 from BCBS of IL stating that I needed to choose a new plan due to Obamacare. I chose and submitted my application for a SilverPlan in December of 2013. Before the cut off date in December, I decided to upgrade my plan to the Gold Plan and submitted the new Gold plan application on December 6, 2013. For the month of January and February of 2014, my family of 5 were placed on the Silver Plan while the Gold Plan was still pending. I paid my premium of $1456.07 for Jan. and Feb. On February 28, 2014, I went on the BCBS member's site to see if my Gold plan had gone into effect and I noticed that my amount due for the month of March was $2555.99. I placed a call to BCBS for explanation and I was told that I was being charged for the Gold Plan for March along with the difference from the Silver Plan to the Gold Plan for the months of January and February, BUT the Gold Plan was not processed as of that date, which was February 28, 2013. So they were charging me for the Gold Plan premium but I still had the Silver Plan. During that call, I spoke with a representative named Graylan, who assured me that I would get a call back by Wed. March 5, 2014. I did not receive a call. I went back online on March 11, 2014 to pay the premium so I would not lose coverage and I discovered that I now had a credit because they processed the Gold Plan but only for my husband, therefore leaving myself and my 3 children without coverage. I placed a call to BCBS of IL that same day, March 11th, 2014 and I explained my issue and I was assured I would get a call on Thursday, March 13, 2014. Not satisfied with that I called again the same day at 2:00 pm and I was on hold for 5 hours, as nobody ever picked up the phone. I called again on Wednesday, March 12, 2014 and explained my situation with a representative and he told me that he could not contact the processing department, only via email and I would have to wait to hear from them. I am frustrated, as me and my children do not have any health care coverage which is due to their error. My applications included family coverage for my husband, myself and my 3 children. Currently, my husband is the only one with coverage. I do not get any viable answers when I call and we have not had coverage for 2 weeks. I do believe that BCBS of IL had no right to drop us from the plan as I have never submitted any form to stop coverage. Whether I have a valid claim for a lawyer, I do not know, but I do not know where to turn to get help in resolving this matter.